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  1. Hi all. I’m looking for some advice. I recently opened up a noodle account and noticed that a TSB account of some sort had been opened in my name. I think it was a loan as there have been monthly payments and now has a balance of £0. I know I should have checked sooner but in the past we used ones like Experian mainly for our credit score. Here are more details anyhow. The account was opened approx 3 years after we left the address it is registered at in 2014. There have been regular payments into the account/loan and everything other than it being false, seems
  2. Received letter from Capital One in April 18 RE:A credit card debt. We are writing to inform you we have instruced Fredrickson to act on our behalf to arrange payment of your capital one account, blah blah blah. I DONT HAVE A CAPITAL ONE ACCOUNT. Checked credit file with call credit and already listed on my report as sustained arrears. Steady flow of letters coming from Fredrickson now one stating on 5/6/18 "as there is a default on your credit file this may affect future credit". Checked credit files this morning no default as of yet. Sent SAR to Capital One and
  3. From March of this year i have been having Barclaycard registering a default on my credit file for an account that does not belong to me and registered to an address i have never lived at. However the name and DOB is the same as mine apart from this other person has a middle name and i do not. I contacted the CRAs about this problem but they say they will not remove it unless Barclays tell them they can. I have sent a SAR to Barclays on the 5/6/18 but so far ive not even had an acknowledgement from them. This is not the first time this has happened with Barclays as they als
  4. There are five manhole covers on my driveway but the drains they cover are not to my property. I now want to re-surface my driveway and I've been quoted six thousand pounds. 1250 pounds of this is to deal with the manhole covers. Yorkshire Water sent someone out to look at them, but all they have done is replaced one cover that was cracked and therefore dangerous. I could put up with the drains and covers if Yorkshire Water was prepared to contribute to the cost of setting them in the driveway properly. They are saying they are not prepared to do anything. The drains in question serve
  5. Not my debt fraud hat trick I have been reading some of the past posts and found them very helpful. But I would like some help with my own problem set out below About five years ago the payday loan company Wonga sent me a letter claiming I owed them money. It turned out someone had used my name to take out a loan. With the help of my bank and a representative from Wonga it was established that they did not have my banking details and had not taken any money out of my account. I was asked to contact the police by Wonga to report an identity fraud. The police said
  6. I had parked properly in a bay at surgery waiting room car park and was just about to go in when a car from almost opposite bay reversed out into centre ( apparently to make space to turn and exit) BUT they kept coming. I sounded my horn but nothing happened and then they came to a stop on my NS front wing/door junction. No driver in car obviously failed to set handbrake. My damage is very slight, will probably polish out ( fairly old car anyway) I took photographs and went for appt. Made enquiries in waiting room, no takers. Had appointment, about 30 minutes and still t
  7. Hi all I have today received a letter and discovered that my 20 year old son has debts totaling nearly £2000 which Marston say are for unpaid fines for not paying for several train fares after getting caught with no ticket. The letter says their client is "HMCTS Manchester". I called Marston and they say they will attend my home tonight and unless I can prove with receipts items are not mine they will take them as my son's and I will have 28 days to prove they are mine to get them back. My son lives at home and has nothing and all items such as TV etc are mine and not his. How
  8. Hi everybody, been a while since i have visted (that long i've totally forgotten my old username and email address so had to reregister) a couple of years ago we noticed on hubby's credit file a capital one account in his name but at my parents address (he's never lived there, never even used the address) account was started in 2009 according to the file. I remember sending a letter to Capital One which i'm hoping i still have a copy of on an external hard drive otherwise i'm probably knackered, it was asking for a copy of the agreement, and i stupidly stated it was at an addre
  9. When I joined my company 3 years back, I had a Samsung Galaxy S3. My boss wanted to get me a work phone and said it would be better for me to use the work phone as a personal phone as well so I only needed one phone. He bought a Samsung Galaxy S5 for me to use as a work phone. Few days later, a work friend of ours had his phone stolen, my boss pretty much took my old phone and gave it to him to use (and later keep), pretty much assuming that since he replaced my personal phone, that that phone then belonged to him. So now I only have a work phone with a shared number. I want to
  10. She says they all have to sign something to stop them saying how much they have won. She got a new kitchen a few months ago so maybe she got a few bob.
  11. Hello, at my wits end with this, i sold a car 18th AUG 2014 the new owner went into a bus lane in Glasgow city centre on 12th SEPT 2014. The council contacted DVLA one week after and they provided them with my details, because their system was still showing me as the registered keeper. For over a year now and i have been fighting Glasgow city council and stirling park(debt recovery) over this mistake, i have provided DVLA headed documents to show that i wasnt the registered keeper at the time of the contravention yet they STILL chasing me for the debt. They
  12. Hiya, posting for friend. My friend had been with her boyfriend for nearly a year when he asked her to get a bank loan for a BMW car. His credit rating was low so couldn't get a loan. She got the loan from her bank and gave him the money for the car. He is working and said he would give her the money every month to make the repayments on the car. He has now left her and taken the car. The log book is in his name as he told her she couldn't own the car as she doesn't have a driving license( she believed him). She's at her wits end, working and supporting h
  13. Hi i am looking for advice i just read this letter when i arrived back home on friday night from a debt recovery company for a bill for the previous occupier of the property but its got my name on the debt recovery letter. the bill in question was £155 for between the dates of 01/08/2104 - 14/12/2014. I was in the process of moving into this property and set up a account with e on on the 15/12/2014. The letter from the debt company was made up on the 20/04/2105 and it says i have 7 days of receipt of the letter to pay the bill i have sent a e
  14. This thread is for my daughter. She has received a court claim from BW Legal on behalf of Lowell Portfolio regarding a Vodafone debt. This is not her debt. She has never had a contract phone with any mobile company so I am assuming this is ID fraud. The court claim should be here Thanks in advance. Silverfox1961 [ATTACH=CONFIG]54789[/ATTACH]
  15. Hi all. Back in December I moved house, our water supplier was Severn Trent. When we moved we retained Severn Trent as our supplier. A couple of days ago I checked my credit file, as I do once a month (checking for fraud etc...). When I did I found that there was now a CCJ on there from the start of March. After some investigating and calling the court I found that the claimant was Severn Trent and the amount was approx £350. I thought this was odd given that we're up to date with them (or so I though). I rang them to find out what on earth was going on
  16. Hi guys, I recently went to open a business account to start a new busines . I was rejected so joined experian and found out I had a ccj dated back to 2013. Couple of things. I wasn't aware of this ccj which is registered to my old address (which my ex wife lives at). I didn't get my post for the first year or so due to bad relations with her (2009-2010) but since 2010 I've been getting all my post and have no recollection of this. Should they send the ccj paperwork recorded delivery? I contacted Northampton county court and got the details. Then call
  17. hey guys, this is my first forum post, i found a freedom pass on the ground and used it on the bus turns out inspectors got on the bus and yeah karma, guys i am shaken to the ground I dont know what to do i gave the guy my real name and dob but a different address, what should i do, I am shaking as i type this. please help me
  18. Hello all. I have trawled through the threads and cant find anything relating to my issue, but please accept my apologies if it has been posted already. I will try to keep it brief as possible, but really hoping someone can advise where to go to from here. I purchased a small cottage from my boyfriend back in 2008, in West Lothian, with the intention of fixing up and letting out. This was to be a project I had been wanting to try for some time. Following some renovation works, I finally was able to let out and my first tenant, Miss A, moved in in Aug 2008. She even
  19. Hi Everyone, I am in the process of applying for a mortgage and quite rightfully the lovely lady at the brokerage advised my to check my credit report on line via a major name in the credit report game.. .either Equifax, Experian or Call Credit to name a few. What a shock I had....I discovered a CCJ planted against my name that: No 1: Does Not Belong To Me No 2: The CCJ is issued to an address that I have never lived at No 3: It is issued to somebody with the same name as me I quickly got to the bottom of where it came from and have had a face to face meeting with
  20. This originates from Cabot Financial who tried to via CCS Collections to obtain £875 on their behalf, no client was listed. I wrote back making it very clear that I have no outstanding debts that have not been serviced and that if the alleged debt was mine which I know it is not then please provide the proof. After a couple of letters exchanged they admitted that it was an electronic request and they had not provided any paperwork. Now I have Ruthbridge on the case after £2625.70p owed to the Bank of Scotland?? I have never had any dealing financial or otherwise with
  21. Hello all, Wonder if anyone can help, A little while back my account was hacked and my personal details taken - along with a bank account withdrawal This was resolved earlier this year, however today I have had a baliff attend saying that I owe £950 to a payday loan company. Now I have never had a payday loan in my life so know this is linked back. He had court paperwork - I asked for a copy which he said he would get for me- and it was for a previous address which is why I never got it to defend it. So my question is what is my next step? I have spoken to them on the phon
  22. Hi, Starting separate thread for each debt per DX's advice:-D I'm not being chased for this as they do not have my current address...... but can I CCA them using same details as my partners card i.e. presume that KPR will be chasing it also ?
  23. Hello All I Need Your Help!! Last week I had my Phone stolen from me while on my Uni christmas night out. However, i Thought I had just mis-placed it so didn't cancel the contract for a few days hoping it would turn up somewhere. Yesterday I contacted Orange to see if the person who had stolen my phone had made any international calls...I was told in the space of 2-3 days £2500 had been spent on my phone and that I had to pay it all back. I asked them... Considering my monthly payments are around £12 .. How come when they saw that my phone had made say £50 worth of calls, that
  24. Hi, this is my first post here so please bear with me - looking for some advice! I moved into my rented property in August, my boyfriend stays periodically, got busted by the police for driving with no MOT, he's a bit bury your head in the sand kind of thing, letters came through the door from the Court, final steps notice etc, still didn't deal with it though. A month ago, Marstons came knocking, well, I say knocking - they just left the letter through the door, a removal notice - I phoned the fella straight away to say that he didn't live at my address, but I
  25. i need help please there is a debt on my credit file that is not mine i raised an issue with the credit reference agency and the company have now settled the debt with partial settlement but this is also untrue as i havent paid anything towards this debt as it isnt mine the company has issued a default and i need to kno how to get this information off my file as it is stopping me getting a mortgage thanks
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